Hotspots cell
neither
retail not elevated · office not elevated · WARN-corroborated
First-Citizens Bank & Trust Company
Raleigh, NC · FDIC cert 11063
· class NM
· primary regulator FDIC
· charter STATE
· holding company First Citizens Bancshares Inc
total assets $236,317mn · band over $100bn · established 1898 · Call Report 2026Q2 · branches from the 2025 Summary of Deposits
total assets $236,317mn · band over $100bn · established 1898 · Call Report 2026Q2 · branches from the 2025 Summary of Deposits
The public record, as the regulator reads it. Every number on this page is from an FDIC filing
or a public loan-level tape; every line is the regulator's own; nothing is scored, summed or graded.
This bank is over neither of SR 06-26's two criteria.
The lines · 2026Q2 Call Report
SR 06-26 (the 2006 interagency guidance on CRE concentrations), the Prompt Corrective Action capital lines
(12 CFR 324.403) on the filer's own basis, and the FDIC's brokered-deposit line (12 CFR 327.16). A value on the far
side of its line is colored; that is the whole of what a crossed line means here.
| line | this bank | the line | the rule |
|---|---|---|---|
| Investor CRE / total risk-based capital | 89% total 158% |
≥ 300% | construction, multifamily and non-owner-occupied nonfarm nonresidential over total risk-based capital — the first half of criterion 2; owner-occupied excluded, as the guidance excludes it. "Total" beneath adds it back. |
| Construction & land loans / capital | 29.9% | ≥ 100% | construction, land development and other land loans over total risk-based capital — criterion 1 of the 2006 interagency guidance |
| CRE book growth, 36 months | 21.6% | ≥ 50% | the supervisory CRE book (owner-occupied excluded) against the same bank twelve quarters earlier — the second half of criterion 2, which the 300% line alone does not state |
| Total risk-based capital ratio | 13.3% | < 10% | total risk-based capital over risk-weighted assets; well capitalized at 10%, adequately at 8%. A CBLR filer reports none and is printed as not reported |
| Tier 1 risk-based capital ratio | 12.4% | < 8% | tier 1 capital over risk-weighted assets; well capitalized at 8%, adequately at 6%. A CBLR filer reports none and is printed as not reported |
| Tier 1 leverage ratio | 9.8% | < 5% | tier 1 capital over average assets; well capitalized at 5% for a risk-based filer, and the CBLR framework's own 9% line for a leverage-only filer |
| Brokered deposits / assets | 4.7% | ≥ 10% | brokered deposits over total assets; above 10% they begin to count in the FDIC's assessment formula (12 CFR 327.16) |
Criterion 1 is construction at or above 100% of capital:
not over.
Criterion 2 is BOTH halves — investor CRE at or above 300% of capital AND the book grown 50% or more in 36 months
(from the tape's own quarter, 2023Q2):
not over.
Capital is read on the risk-based basis this bank files on.
Its market · branches as of 30 June 2025
A branch is a building in a ZIP (FDIC Summary of Deposits); no dollar is allocated to any metro. For each metro this bank has a branch in:
the Hotspots reading (retail and office, each elevated or not against a bar set at the top quartile of the 294 metros with both readings — a relative cut, not a regulator's line),
the public CMBS tape in the metro, and the counts behind the doors.
78 metros, by branch count.
35 branches · 7% of the bank's
CMBS in the metro
116 loans
2.6% distressed · retail 0.0% · office 8.2%
Behind the door
23 on the forward watch
$581mn not yet in special servicing · 1 in special servicing with commentary · 6 WARN notices in 90 days (106 jobs)
31 branches · 6% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
665 loans
3.2% distressed · retail 0.7% · office 4.7%
Behind the door
166 on the forward watch
$4,996mn not yet in special servicing · 30 in special servicing with commentary · 45 WARN notices in 90 days (4,143 jobs)
24 branches · 5% of the bank's
Hotspots cell
neither
retail not elevated · office not elevated
CMBS in the metro
42 loans
0.0% distressed · retail 0.0% · office 0.0%
Behind the door
8 on the forward watch
$130mn not yet in special servicing · 0 in special servicing with commentary · 2 WARN notices in 90 days (370 jobs)
21 branches · 4% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
32 loans
0.0% distressed · retail 0.0% · office 0.0%
Behind the door
9 on the forward watch
$104mn not yet in special servicing · 0 in special servicing with commentary · 3 WARN notices in 90 days (459 jobs)
18 branches · 3% of the bank's
Hotspots cell
office
retail not elevated · office elevated
CMBS in the metro
23 loans
0.0% distressed · retail 0.0% · office 0.0%
Behind the door
0 on the forward watch
$0mn not yet in special servicing · 0 in special servicing with commentary · 1 WARN notice in 90 days
18 branches · 3% of the bank's
Hotspots cell
neither
retail not elevated · office not elevated
CMBS in the metro
31 loans
3.7% distressed · retail 0.0% · office 0.0%
Behind the door
5 on the forward watch
$104mn not yet in special servicing · 0 in special servicing with commentary · 8 WARN notices in 90 days (2,913 jobs)
16 branches · 3% of the bank's
Hotspots cell
neither
retail not elevated · office not elevated · WARN-corroborated
CMBS in the metro
32 loans
0.0% distressed · retail 0.0% · office 0.0%
Behind the door
2 on the forward watch
$61mn not yet in special servicing · 0 in special servicing with commentary · 0 WARN notices in 90 days
13 branches · 2% of the bank's
Hotspots cell
retail only read
retail elevated · office not read · WARN-corroborated
CMBS in the metro
305 loans
1.6% distressed · retail 0.0% · office 7.1%
Behind the door
56 on the forward watch
$994mn not yet in special servicing · 9 in special servicing with commentary · 22 WARN notices in 90 days (3,708 jobs)
Wilmington, NC
12 branches · 2% of the bank's · no public metro page
Hotspots cell
neither
retail not elevated · office not elevated
CMBS in the metro
10 loans
0.0% distressed · retail 0.0%
Behind the door
1 on the forward watch
$2mn not yet in special servicing · 0 in special servicing with commentary · 0 WARN notices in 90 days
11 branches · 2% of the bank's
Hotspots cell
retail
retail elevated · office not elevated
CMBS in the metro
33 loans
3.0% distressed · retail 0.0% · office 28.8%
Behind the door
5 on the forward watch
$41mn not yet in special servicing · 1 in special servicing with commentary · 0 WARN notices in 90 days
Hickory-Lenoir-Morganton, NC
9 branches · 2% of the bank's · no public metro page
Hotspots cell
retail
retail elevated · office not elevated
CMBS in the metro
9 loans
1.7% distressed · retail 0.0%
Behind the door
1 on the forward watch
$8mn not yet in special servicing · 0 in special servicing with commentary · 0 WARN notices in 90 days
9 branches · 2% of the bank's
Hotspots cell
office
retail not elevated · office elevated
CMBS in the metro
25 loans
4.0% distressed · retail 0.0% · office 0.0%
Behind the door
4 on the forward watch
$87mn not yet in special servicing · 1 in special servicing with commentary · 0 WARN notices in 90 days
The remaining 66 metros, by branch count — the same reading, one row each:
| metro | branches | hotspots cell | CMBS loans | distressed | on the watch |
|---|---|---|---|---|---|
| Augusta-Richmond County, GA-SC | 9 | neither | 29 | 0.0% | 4 |
| Miami-Fort Lauderdale-West Palm Beach, FL | 8 | retail | 277 | 0.7% | 57 |
| Durham-Chapel Hill, NC | 8 | neither | 26 | 11.4% | 4 |
| Fayetteville, NC | 7 | office only read | 18 | 5.4% | 5 |
| Spartanburg, SC | 7 | neither | 15 | 0.0% | 4 |
| Milwaukee-Waukesha, WI | 7 | retail | 91 | 0.0% | 11 |
| San Diego-Chula Vista-Carlsbad, CA | 6 | retail | 147 | 0.7% | 28 |
| Florence, SC | 6 | office | 3 | 0.0% | 0 |
| Richmond, VA | 6 | retail only read | 58 | 2.0% | 10 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | retail | 128 | 1.6% | 18 |
| Riverside-San Bernardino-Ontario, CA | 5 | retail | 196 | 1.0% | 27 |
| Boston-Cambridge-Newton, MA-NH | 5 | retail | 77 | 2.0% | 25 |
| Seattle-Tacoma-Bellevue, WA | 5 | retail | 155 | 3.9% | 42 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 5 | retail only read | 14 | 0.0% | 3 |
| Roanoke, VA | 5 | retail only read | 15 | 0.0% | 0 |
| Lynchburg, VA | 5 | neither | 15 | 0.0% | 2 |
| Jacksonville, NC | 4 | office only read | 7 | 14.2% | 0 |
| Greenville, NC | 4 | office only read | 2 | 0.0% | 0 |
| Phoenix-Mesa-Chandler, AZ | 4 | retail | 225 | 0.4% | 35 |
| Jacksonville, FL | 4 | neither | 55 | 3.6% | 13 |
| San Francisco-Oakland-Fremont, CA | 4 | retail | 222 | 4.9% | 70 |
| Austin-Round Rock-San Marcos, TX | 4 | retail | 90 | 4.4% | 18 |
| Denver-Aurora-Centennial, CO | 4 | neither | 106 | 3.8% | 19 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | retail & office | 254 | 3.3% | 58 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | neither | 100 | 1.0% | 33 |
| Sacramento-Roseville-Folsom, CA | 3 | retail | 100 | 1.5% | 27 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | retail | 63 | 4.8% | 23 |
| Las Vegas-Henderson-North Las Vegas, NV | 3 | neither | 190 | 0.5% | 37 |
| Naples-Marco Island, FL | 3 | neither | 8 | 0.0% | 0 |
| Athens-Clarke County, GA | 3 | retail only read | 6 | 0.0% | 1 |
| Omaha, NE-IA | 3 | retail & office | 18 | 0.2% | 4 |
| Oklahoma City, OK | 2 | neither | 37 | 5.4% | 9 |
| Goldsboro, NC | 2 | neither | 2 | 0.0% | 1 |
| Hilton Head Island-Bluffton-Port Royal, SC | 2 | neither | 10 | 0.0% | 3 |
| Sumter, SC | 2 | office only read | 1 | 0.0% | 1 |
| Pinehurst-Southern Pines, NC | 2 | office only read | 2 | 0.0% | 0 |
| Houston-Pasadena-The Woodlands, TX | 2 | retail & office | 384 | 3.8% | 80 |
| Baltimore-Columbia-Towson, MD | 2 | retail | 86 | 1.2% | 14 |
| Cape Coral-Fort Myers, FL | 2 | neither | 26 | 0.0% | 4 |
| Knoxville, TN | 2 | neither | 18 | 0.0% | 2 |
| Charlottesville, VA | 2 | neither | 6 | 0.0% | 0 |
| Kansas City, MO-KS | 2 | retail only read | 90 | 2.2% | 27 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | neither | 75 | 0.1% | 16 |
| Dallas-Fort Worth-Arlington, TX | 2 | retail | 292 | 1.7% | 63 |
| Orlando-Kissimmee-Sanford, FL | 2 | retail | 103 | 6.0% | 26 |
| Albuquerque, NM | 1 | retail | 34 | 3.0% | 7 |
| Olympia-Lacey-Tumwater, WA | 1 | office only read | 13 | 7.9% | 5 |
| Tucson, AZ | 1 | retail & office | 62 | 1.6% | 7 |
| Rocky Mount, NC | 1 | neither | 1 | 0.0% | 1 |
| Santa Fe, NM | 1 | retail & office | 10 | 21.1% | 1 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | retail | 45 | 0.0% | 12 |
| Port St. Lucie, FL | 1 | neither | 13 | 0.0% | 1 |
| Reno, NV | 1 | neither | 37 | 0.0% | 5 |
| Savannah, GA | 1 | office only read | 31 | 0.0% | 7 |
| Harrisonburg, VA | 1 | office only read | 5 | 0.0% | 0 |
| Gainesville, GA | 1 | office only read | 4 | 0.0% | 0 |
| Boulder, CO | 1 | neither | 12 | 0.0% | 2 |
| Staunton-Stuarts Draft, VA | 1 | neither | 0 | 38.5% | 0 |
| Winchester, VA-WV | 1 | office only read | 1 | 0.0% | 0 |
| Chattanooga, TN-GA | 1 | neither | 27 | 0.0% | 5 |
| Blacksburg-Christiansburg-Radford, VA | 1 | neither | 3 | 0.0% | 2 |
| Johnson City, TN | 1 | retail only read | 4 | 0.0% | 0 |
| North Port-Bradenton-Sarasota, FL | 1 | neither | 22 | 0.0% | 3 |
| San Antonio-New Braunfels, TX | 1 | retail | 72 | 4.1% | 14 |
| Napa, CA | 1 | neither | 4 | 0.0% | 1 |
| Urban Honolulu, HI | 1 | neither | 16 | 0.0% | 2 |
105 of the bank's 524 branches (20%) sit outside every metro the tape reads; nothing is printed for them.
Peers · the same asset band, nationally and in Charlotte-Concord-Gastonia, NC-SC
Every cohort is inside an asset band (over $100bn), because size moves the concentration ratios more than anything else does. A position is an interval —
the share of the cohort below this bank and the share at or below it differ by the tie — and below 10 banks nothing is ranked.
over $100bn, nationally
32 banks
Investor CRE / capital
84–88th pct
27 below · 1 at the same value · 4 above
Construction / capital
91–94th pct
29 below · 1 at the same value · 2 above
over $100bn, in Charlotte-Concord-Gastonia, NC-SC
12 banks
Investor CRE / capital
83–92th pct
10 below · 1 at the same value · 1 above
Construction / capital
83–92th pct
10 below · 1 at the same value · 1 above
banks with a branch in this metro, from the 2025 Summary of Deposits. This metro holds 35 of the bank's 524 branches (7%), and 105 are outside any metro area; the bank operates in 78 metros.
Of the 32 banks in the over $100bn band nationally, over each line:
Construction at or above 100% of capital — criterion 1 — 0 of 32 (0.0%); CRE at or above 300% of capital — 0 of 32 (0.0%); ... and the book grew 50% or more in 36 months — criterion 2 — 0 of 32 (0.0%); Over either criterion — 0 of 32 (0.0%); Total risk-based capital below 10% (risk-based filers) — 0 of 32 (0.0%); Tier 1 risk-based capital below 8% (risk-based filers) — 0 of 32 (0.0%); Tier 1 leverage below 5% (risk-based filers) — 0 of 32 (0.0%); Below a well-capitalized line, on the filer's own basis — 0 of 32 (0.0%); Brokered deposits at or above 10% of assets — 7 of 32 (21.9%).
What moves faster than the Call Report
Forward transfer-risk watch
1,179 loans
$31,799mn in this bank's metros scored High or Elevated for transfer to special servicing within two quarters, not yet transferred. The loans are the door.door
In special servicing, with commentary
149 loans
the servicer's own filed narrative, loan by loan. The narratives are the door.door
WARN notices, 90 days
414 notices
145,678 jobs, in this bank's metros, under review. The employers and addresses are the door.door
The four bank lenses
Franchise · Strain · Mark · Consolidation
every bank against every line, the franchise gradient, the mark on the book, the consolidation clock — this bank placed on each.door
Watch dossier
none
no watch dossier has been written for this bank; the absence is a fact about the watchlist, not about the bank.
Boundaries
- The Call Report carries no collateral geography. The footprint is where the branches are (FDIC Summary of Deposits, 30 June 2025), not where the loans are.
- The regulator's lines are absolute (SR 06-26, 12 CFR 324.403, 12 CFR 327.16) and read on the 2026Q2 Call Report; the 36-month growth is from the tape's own quarter, 2023Q2.
- Owner-occupied commercial real estate is excluded from criterion 2, as SR 06-26 excludes it.
- The Hotspots cell is a relative cut — the top quartile of the 294 metros with both readings on each lens (snapshot 2026-09-15) — not a line of any regulator's.
- A capital ratio is read on the filer's own basis (risk-based); a CBLR filer reports no risk-based ratio and none is inferred.
- This page is rebuilt nightly from stored filings; generated 2026-09-16. Banks under the Call Report tape's $100mn floor have no page.
See the whole picture, not just the pulse.
Metro Pulse is the free, public read. The Verstavo platform goes loan‑by‑loan — stress
scores, maturity walls, special‑servicing transfers, bank CRE, and your own portfolio benchmarked
against the market.